SCMMEDIUM SIGNALFINANCIAL10-K

SCM's net income declined 41% to $27.0M while interest expense surged 31%, indicating deteriorating profitability amid rising borrowing costs.

The significant drop in profitability combined with increased interest expense suggests SCM is facing pressure from higher cost of capital, which is concerning for a financial services company. Despite lower earnings, the company increased dividend payments by 20.5%, potentially indicating management confidence or pressure to maintain shareholder returns.

Comparing 2026-03-11 vs 2025-03-04View on EDGAR →
FINANCIAL ANALYSIS

SCM experienced a notable decline in profitability with net income falling 41% to $27.0M, largely driven by a 31% increase in interest expense to $32.0M reflecting higher borrowing costs. Despite the earnings decline, the company increased dividend payments by 20.5% to $45.3M while maintaining slightly improved but still negative operating cash flow of -$24.4M and a stronger cash position of $25.1M. The overall picture suggests SCM is managing through a challenging interest rate environment while prioritizing shareholder returns, though the sustainability of current dividend levels may be questionable given the earnings decline.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-41%
$45.8M$27.0M

Net income declined 41% — review whether driven by operations, interest costs, or non-recurring items.

Interest Expense
P&L
+30.8%
$24.5M$32.0M

Interest expense surged 30.8% — significant debt increase or rising rates materially impacting earnings.

Cash & Equivalents
Balance Sheet
+24.9%
$20.1M$25.1M

Cash grew 24.9% — improving liquidity position supports investment and shareholder returns.

Dividends Paid
Cash Flow
+20.5%
$37.6M$45.3M

Dividend payments increased 20.5% — management confidence in sustained cash generation.

Operating Cash Flow
Cash Flow
+14.7%
-$28.6M-$24.4M

Operating cash flow grew 14.7% — strong conversion of earnings to cash, healthy business fundamentals.

LANGUAGE CHANGES
NEW — 2026-03-11
PRIOR — 2025-03-04
ADDED
Pure TopCo, LLC Class A Units 2024-01-01 2024-12-31 0001551901 WER Holdings, LLC Blade Landscape Investments, LLC Class A Units 2024-01-01 2024-12-31 0001551901 Teckrez, LLC, HH-Teckrez Parent, LP Preferred Units 2024-01-01 2024-12-31 0001551901 EH Real Estate Services, LLC, Term Loan A-5 2024-01-01 2024-12-31 0001551901 Simpler Trading, LLC, Trade Education Holdings, LLC, Class A Units 2025-12-31 0001551901 Simpler Trading, LLC, Revolver 2025-12-31 0001551901 J.R.
USDTL Holdings, LLC Preferred Units 2025-12-31 0001551901 Unicat Catalyst Holdings, LLC, Unicat Catalyst, LLC Class A-1 Units 2025-12-31 0001551901 Unicat Catalyst Holdings, LLC Unicat Catalyst, LLC Class A Units 2025-12-31 0001551901 U.S.
Expediters, LLC Cathay Hypnos LLC Units 2025-12-31 0001551901 TriplePoint Acquisition Holdings LLC, TriplePoint Holdco LLC Class A Units 2025-12-31 0001551901 TradePending OpCo Aggregator, LLC, TradePending Holdings, LLC Series A-1 Units 2025-12-31 0001551901 TradePending OpCo Aggregator, LLC, TradePending Holdings, LLC Series A Units 2025-12-31 0001551901 Tiger 21, LLC, Tiger 21 Blocker, Inc.
Class A-3 Common Stock 2025-12-31 0001551901 The Millennium Alliance LLC, BV MA Blocker, Inc.
Class A-2 Common Stock 2025-12-31 0001551901 The Hardenbergh Group, Inc, BV HGI Holdings, L.P.
+7 more — sign up free →
REMOVED
Pure TopCo, LLC Class A Units 2024-01-01 2024-12-31 0001551901 WER Holdings, LLC, Blade Landscape Investments, LLC Class A Units 2024-01-01 2024-12-31 0001551901 Teckrez, LLC, HH-Teckrez Parent, LP Preferred Units 2024-01-01 2024-12-31 0001551901 Xanitos, Inc.
Common Stock 2024-12-31 0001551901 Peltram Group Holdings LLC, Class A Units 2024-12-31 0001551901 PCS Software Parent, LLC Class A Common Units 2024-12-31 0001551901 PCP MT Aggregator Holdings, L.P.
Warrants (SBIC II) 2024-12-31 0001551901 NuSource Financial, LLC NuSource Financial Acquisition, Inc.
(SBIC II) 2024-12-31 0001551901 NS412, LLC NS Group Holding Company, LLC Class A Units 2024-12-31 0001551901 Norplex Micarta Acquisition, Inc., Norplex Micarta Parent, LP Preferred Units 2024-12-31 0001551901 NINJIO, LLC, NINJIO Holdings, LLC Units 2024-12-31 0001551901 NINJIO, LLC Gauge NINJIO Blocker LLC Preferred Units 2024-12-31 0001551901 Naumann/Hobbs Material Handling Corporation II, Inc., Naumann Hobbs Holdings, L.P.
Class B Units 2024-12-31 0001551901 Naumann/Hobbs Material Handling Corporation II, Inc., Naumann Hobbs Holdings, L.P.
+7 more — sign up free →
MORE FINANCIAL SIGNALS
PNRGHIGHPNRG achieved exceptional profitability improvement with net income surging 2,21...
2026-04-16
BNAIHIGHBNAI underwent a dramatic reverse stock split that reduced share count by 86% wh...
2026-04-16
LAKEHIGHLAKE's financial performance deteriorated significantly with operating losses wo...
2026-04-16
NXXTHIGHNextNRG experienced massive financial deterioration with operating losses explod...
2026-04-16
ANALYZE ANY FILING FREE

See what changed in your portfolio's filings

500+ US-listed companies analyzed. Language delta, financial analysis, instant signal scoring.

Try Tracenotes free →